IDFC First Bank Limited (539437) Earnings Call Transcripts

IDFC First Bank Limited's Latest Earnings Call - Q4 FY2026

In Q4 FY '26, IDFC First Bank reported a profit after tax (PAT) of INR 390 crores, impacted by one-time items, including a fraud incident costing INR 480 crores. Adjusted for these items, the normalized PAT was INR 746 crores, reflecting a 145% increase year-over-year. The bank experienced a 20% year-over-year growth in loans and advances, reaching INR 2.9 lakh crores, while total deposits grew by 16.8% to INR 2.94 lakh crores. Management maintained guidance for a stable net interest margin (NIM) of 5.75% for FY '27, despite a reported NIM of 5.93% in Q4 due to seasonal factors.

Reported metrics

Guidance from management

Management expects stable NIM of 5.75% for FY '27 and a credit cost reduction to 170-180 basis points. They anticipate a return to normalized growth rates for deposits and loans in Q1 FY '27.

What management said

Thanks, Danish. Thanks a lot for all, and thanks, everyone, for joining the call. We have today with us Vaidya, our MD and CEO; and Sudhanshu, CFO. So we'll start the call with a brief note about the financials for the period ending 31st March 2026 by Sudhanshu. Post that, we'll have some words from Vaidya and then we can open the call for the participants for the questions, okay? So now I'll hand over the call to S...

No, we always maintain a comfortable with that kind of number because the SCRs 100 itself a conservative number. On top of it, we don't need to keep too much margin on top of it. It's a good number. It's quite stable and even doing the crisis, it stayed strong.

What analysts pressed on

Analysts expressed concerns regarding the impact of the fraud incident on customer trust and deposit growth. There were also questions about the sustainability of asset quality improvements amidst external economic pressures, particularly related to the West Asia crisis.

Main topics on the call

• Loan Growth — Loans and advances grew by 20% year-over-year, reaching INR 2.9 lakh crores, with significant contributions from mortgages, vehicle loans, and business banking. Management noted, "We saw a healthy traction across mortgag...
• Deposit Growth Challenges — Total deposits increased by 16.8% year-over-year, but growth was modest in Q4 due to a one-off fraud incident and reduced interest rates on savings accounts. Management stated, "The growth was a modest of 1% during the q...
• Asset Quality Improvement — The gross NPA ratio improved to 1.61%, down from 1.69%, indicating better asset quality. Management highlighted, "The gross slippage ratio ex MFI for the quarter was lower by 49 basis points at 2.6%."
• Profitability Metrics — The reported PAT was INR 390 crores, but adjusted for one-time impacts, the normalized PAT was INR 746 crores, a 145% increase year-over-year. Management noted, "This INR 746 crores translates to about a 145% increase in...

Read the full IDFC First Bank Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 20 IDFC First Bank Limited earnings call transcripts on record, spanning July 31, 2021 to July 25, 2026. Based on this history, IDFC First Bank Limited reports quarterly. The most recent call on file is dated July 25, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

539437

Exchange

BSE

Country

IN

Sector

Financials

Industry

Banks

Calls on record

20

First call

July 31, 2021

Most recent

July 25, 2026

Reporting cadence

quarterly